Date Received: 2017-02-02
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: Debit card was stolen and used to make bad deposits and withdraw cash from my son 's checking account. Additionally, the card was used to make purchases. I reported the lost card immediately upon my son realizing that he did n't have it. Suntrust opened XXXX cases for the reported fraud on XX/XX/2016. On XX/XX/XXXX, I received notification that the cases were opened. On XX/XX/XXXX, after I received notification that my case ( claim ) was denied. On XX/XX/XXXX, I went to a local branch to discuss the case since the customer service telephone service could not give me any details on the denial. The branch VP talked to corporate staff via phone while I was there to better understand the denial and appeal process. I was told that I would receive information via mail about the appeal process. On or about XX/XX/2016, after having received nothing via mail or email, I again went to the branch office to discuss the matter. She again discussed the case with corporate staff via phone in my presence. I was told that I needed to file an appeal if I disagreed with the findings. On XX/XX/XXXX, Suntrust sent me two letters : one that they received my dispute and the second that the rebuttal did n't provide additional information to overturn their decision. On XX/XX/XXXX, my son filed a police report with the local department. On XX/XX/XXXX, I faxed a letter appeal to Suntrust along with copies of the obviously fraudulent deposits as well as the police report. On XX/XX/XXXX, I stopped by the branch office and asked if the VP could help. I told her that I had sent the appeal and received nothing even though the previous correspondence to Suntrust had resulted in almost immediate responses. I emailed her a copy of the letter that afternoon. On XX/XX/XXXX and XX/XX/XXXX, I received emails from the VP inquiring about responding via a " rebuttal form ''. I have received no written response to my XX/XX/XXXX appeal nor have I been reimbursed any of the stolen funds or bank charges due to insufficient funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31410
Submitted Via: Web
Date Sent: 2017-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-31
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I wrote them and attached a copy of the cashed check I sent them : -Original Message -- Date : XXXX/XXXX/2017 XXXX AM To : XXXXXXXXXXXX Subject : You cashed the check, but is not reflected on my a Acct - Line of XXXX { Accounts } Why is the attached copy of the check you cashed from me not reflected on my account? Please correct not only this balance adjustment, but also adjust down the interest that has accumulated on the higher balance. They responded with : Topic : Accounts Subject : Re : You cashed the check, but is not reflected on my a Acct - Line of Credit-XXXX { Accounts } [ # XXXX ] From : Customer Support XXXX/XXXX/2017 Hi XXXX, I hope you are doing well today! I understand your point regarding line payment. I have reviewed your account and see that, you have processed the line payment from your credit card. Please be informed that, you can not make your loan/line payment using your credit/debit card. Also please know that to make a payment to a consumer loan or line, use the Move Money service within Online Banking. Hence, the payment of {$1000.00} has not been posted in your line account. For more information regarding line payment, you may contact our Loan Servicing Department at XXXX and they will assist accordingly. Our specialists are available M-F XXXX to XXXX Sat. XXXX to XXXX XXXX. Have a great day! Regards, XXXX XXXX SunTrust Bank- XXXX XXXX XXXX Join our movement toward financial confidence at XXXX This is not my first bad experience with Suntrust . They also did this to one of my mortgage accounts, causing my credit score to be lowered, and forcing me to stop payments on checks ( costs to do so ), while not posting my payments for three ( 3 ) months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20112
Submitted Via: Web
Date Sent: 2017-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-31
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: The mortgage company that currently holds my mortgage, SunTrust Mortgage , Inc. XXXX XXXX XXXX XXXX XXXX VA XXXX has not paid my county real estate tax bill that I received in XXXX. On XX/XX/XXXX I contacted via phone, SunTrust and told them I have received my tax bill from the XXXX County, Kentucky Sheriff. I spoke to XXXX in the tax department. I was told that they would receive the bill electronically and that it would be paid. On XXXX XXXX I received a Past Due notice from the sheriff 's office that the real estate taxes have not been paid. I contacted SunTrust and was told to fax them the real estate bill and that it would take 14 business days to process. On XXXX XXXX I called the county sheriff to ask if the bill had been paid. I was told no. I ask who do I contact to get the bill paid, I was told to contact the closing law office. I called the closing law office immediately and was told by them to contact the mortgage company. I was also told that I am not responsible for any fines and/or penalties for the late payment of the tax bill. On XXXX XXXX I spoke with XXXX in the Tax department at SunTrust. He said the it would take XXXX48 hours for them to research the the account and tax bill and then they would be able to pay the bill. He also said that I did not have to fax the bill because they already have received it.On XXXX XXXX I called the sheriff again and was told the bill has not been paid. I then called SunTrust on XXXX XXXX and asked the status of this tax bill payment. I was told by XXXX in the tax department that they are still researching it because no notes have been posted to my account. The mortgage company SunTrust have been notified since XXXX XXXX of the receipt of the tax bill and that they are contractually required to pay the bill upon receipt. There was and still is money in the escrow account that was established when the mortgage was originated. Monies were put into the account at the closing, 8 months of tax payments, and 3 months of homeowners insurance. they have also received 6 months of mortgage payments with the escrow amounts included. My complaint is the SunTrust Mortgage Company has failed to fulfill the contractual obligations established in the original mortgage contract and upon me inquiring numerous times why this bill was not paid in a timely manner was not given a direct answer and upon them receiving notification from me of the delinquency of their paying the account still have not paid it. This effects me by 1 ) having a past due tax bill which could allow for a lien to be put on my house and possible foreclosure action started and 2 ) by not paying the tax bill on time I am not able to deduct it from my XX/XX/XXXX federal and state individual tax return which will make me have a higher tax liability because the tax was not paid in XX/XX/XXXX. I have not been able to calculate the actual amount as I am still awaiting my XXXX to complete my federal and state tax returns and 3 ) I do not know if this is something that could affect my credit rating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40065
Submitted Via: Web
Date Sent: 2017-02-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-31
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I have reported to the financial institution fraudulent usage of my information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85323
Submitted Via: Web
Date Sent: 2017-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I refinanced my mortgage with Suntrust Mortgage a few years ago. During that refinance, we signed that we would be required to cover Private Mortgage Insurance until our loan reached XXXX % loan-to-value. We were also told an early termination of the PMI would be considered if we were in good standing with payments. We are now at XXXX % loan-to-value after making more than the minimum payment every single month since the start of the loan. We sent a letter as instructed to request the PMI be removed. We received a letter back saying we would need a new appraisal to remove the insurance. When I called to question, not only was there no one in the PMI department to speak with me, but I was also told that when my loan-to-value reached the agreed XXXX %, I would need to send yet another letter requesting removal. If I do n't send the letter, it wo n't be removed until XXXX %. This is not what the contract agreed to. If they can carefully monitor every payment I make, they can monitor when I 'm at XXXX % LTV to remove the PMI. Crooked!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06776
Submitted Via: Web
Date Sent: 2017-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-31
Issue: Customer service / Customer relations
Subissue:
Consumer Complaint: My account was declined when trying to use the XXXX website for a purchase around {$400.00}. I called SunTrust and was told that nothing was wrong. I called XXXX and they said they could n't see the issue with my card, so I called SunTrust back. SunTrust claims it was an issue with their fraud department having the wrong zip on file. I attempted the transaction again and it failed. I was told by SunTrust that there was a high level of fraud with XXXX, so I needed to go to the branch. I attempted the transaction again in the morning twice and had problems, so I went into the branch. The woman at the branch got on the phone with corporate and asked if I could go outside and make a transaction at the local gas station to see if this would work. I balked because I had told her that I had just attempted a purchase of a bottle of water for {$2.00} and was declined, but she insisted that I try while on the phone with corporate. I did and was embarrassingly declined. It took roughly 50 minutes of back and forth with the customer care rep and the supervisor, then I was told to try a transaction again as they had fixed it. Declined again, which was embarrassing because this was near my office. Went home, called someone else, was told there was nothing wrong. Tried the online transaction again. Failed again. Called again, was put on hold and finally got a supervisor who said that this is because of old XXXX transactions that had been declined back when I had a similar issue. I just tried again and it was declined again, and there is more than enough money on the card for this. My reason for bringing the concern this far is that I am greatly concerned to have my finances ( checking, savings, credit card, 401k ) handled by an institution that seems to be completely clueless as to how to handle finances. From the numerous different reasons ( zip in fraud did not match what I have, nothing is wrong, old XXXX issues, XXXX fraud ), to the poor customer service ( over two hours on the phone, and twenty minutes at the bank ), with no resolution, I feel scared of an incompetent agency handling my money. Most importantly, I left work to talk to someone at the branch. That is time I need to make up. Lastly, I am concerned that they more than once told me to try to fix the issue while they were on the phone by swiping my card to see if it works. Not only do I find that unsafe, it shows that they ca n't find better ways to problem solve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2017-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-29
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I already submitted a complains 6 months ago, but the company, SunTrust, refused to acknowledge my dispute, so it 's just sitting there. They sold my auto loan without advanced notice to a sub prime lender with a horrible customer service track record. I was made aware of the sale, AFTER, it had occurred and my online access to the account with SunTrust cut off. Since then, EVERY MOMTH, without fail, I get an e-mail reminder of my previously setup automatic bank draft not going through. I have called and e-mailed to stop these, which could have been resolved in the first place if they had allowed me access to the account to un-enroll in automatic payments ( but again, they cut me off in the first place ). 7 months after having the loan no longer serviced by SunTrust, I consider these e-mails to be harassment and DEMAND THAT THEY STOP IMMEDIATELY. This ongoing issue is why I submitted a complain in the first place asking SunTrust and the CFPB to review their policy on selling loans without advanced notice. Their only response was a letter that sounded like I was a child and rather condescending, wholly unaware that loans are sold. I know loans are sold, but I 've never had it done without advanced notice and with my access to the loan cutoff.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28105
Submitted Via: Web
Date Sent: 2017-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have been paying the essentially the same price on my mortgage for a few years now. Today ( Saturday PM ), I get a my escrow statement from Suntrust Mortgage and they are telling me they expected me to pay the cost of my PROPERTY TAX for my Home Owners ' ( the last three years, my Home Owners ' has been over double the cost of my property tax ). This essentially means they have allowed my Escrow to dip into a HUGE negative balance and now expect me to shell out a lump sum of XXXX or pay an extra XXXX/month. The statement reads like a large clerical error and now NO ONE is around to help me out at the " convenient '' time I got the letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70056
Submitted Via: Web
Date Sent: 2017-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-27
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I have been banking with Suntrust for a few years. I have two checking accounts and savings accounts. I have my payroll direct deposited every two weeks in my account. I use my debit card for all my purchases. Recently my account was froze on XX/XX/2017 for some unknown reason. I am not able to make purchases, or pay any bills since my bank account has my funds in it. I have not received any correspondence in the mail regarding my back account. No one online or in person seems like they can help me, or tell me why my account is like this. I have my income tax being deposited in my account in the next two weeks and it looks like I will not be able to get that money since my account is blocked. That will be another 3 months to receive a normal check. Meanwhile I am depending on the check to help me pay off some loans. I feel like I am being treated unfairly. These funds are my funds and they should not be able to freeze them for an account review without a reason of why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2017-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-25
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My property is scheduled to foreclose on XXXX XXXX, 2017 and I have a good solid buyer. I owe {$860000.00} and I have a buyer which will pay the balance of the payoff. Unfortunately, I have several liens on the property and I have filed bankruptcy and had to go to the trustee to get permission to sale the property and once that was done, we had to go back to the bankruptcy court to get a motion to avoid judicial lien for XXXX liens. Once we did that we thought we had smooth sailing. However, we were scheduled to go to the closing table on XXXX XXXX, 2017 and that is when the IRS Lien came up at $ XXXX. We are now in the process of getting a partial lien release from the IRS and as you know they do not move very fast and it was relayed to me that they will not have that done until XXXX XXXX, 2017. I just need the additional time to get this closed so that I do not have the foreclosure on my credit and my lender is being unreasonable and not doing what the government says the lender should do which is provide me with an alternative to foreclosure. This is not a short sale, this is a regular sale paying off my insurmountable debt that I owe to SunTrust mortgage. My integrity has already been compromised by my having to file bankruptcy and by me losing my home, I just need a chance and some help to get this done. I phoned the lender this morning, and they had me phone the foreclosing attorney, who had me call the lender back. I NEED HELP!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30345
Submitted Via: Web
Date Sent: 2017-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No